Kotak Air+ Prime Credit Card
The Kotak Air+ Prime Credit Card is a mid credit card from Kotak Mahindra Bank, with a joining fee of ₹3,000 + GST.
It earns up to 5 miles per ₹100 (≈3.5% value) on flight hotel via unbox spends in the form of air miles (miles).
Cardholders get 4 annual domestic + 2 annual international airport lounge access, plus bonus air miles (welcome + renewal) as a welcome benefit.
- Joining Fee₹3,000
- Annual Fee₹3,000
- Best Suited ForTravel
- Reward TypeAir Miles (miles)
- 5 miles per ₹100 on flight hotel via unbox (cap 15000 miles / statement)
- 5 miles per ₹100 on auto dealer merchants (cap 1500 miles / statement)
- Base 1.40% on other spends
- Bonus Air Miles (welcome + renewal)
KotaksignaturemidRewards and Benefits
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Travel & hotels₹350/mo
You spend ₹10,000 · earns 3.5% = ₹350 uncapped
- Capped at ₹10,500/mo
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.4% = ₹210/mo
- Groceries₹8,000 · 1.4% = ₹112/mo
- Dining & food delivery₹8,000 · 1.4% = ₹112/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 1.4% = ₹70/mo
₹10,248 rewards − ₹3,000 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- mid card issued by Kotak Mahindra Bank.
- Joining / annual fee of ₹3,000 + GST.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (4/annual) + international (2/annual).
Pros & Cons
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- Accelerated earn worth ≈3.5% on flight hotel via unbox.
- No annual-fee waiver option.
- No rewards on fuel spends.
Welcome benefit
- Bonus Air Miles (welcome + renewal)Card activationWindow: 90 days from issuance.
Accelerated rewards
- 5 miles per ₹100 on flight hotel via unbox (cap 15000 miles / statement)5 Air Miles per ₹100 on flight/hotel (+ add-ons) via Kotak Unbox, capped 15,000 Air Miles/statement.
- 5 miles per ₹100 on auto dealer merchants (cap 1500 miles / statement)5 Air Miles per ₹100 on select auto-dealer MCCs, capped 1,500 Air Miles/statement.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹3,500 per annual.
Sources
- : www.kotak.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.